Terms of Use

1. Use License

Permission is granted to temporarily download one copy of the materials (information, software, and graphics) on this website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or for any public display
• Attempt to decompile or reverse engineer any software contained on the website
• Remove any copyright or other proprietary notations from the materials
• Transfer the materials to another person or 'mirror' the materials on any other server
• Use the website or its materials in any way that infringes upon any intellectual property rights
• Access the website through any automated means (bots, scrapers, etc.) without written permission

This license shall automatically terminate if you violate any of these restrictions and may be terminated by NJ Life Insurance Agency at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

2. Disclaimer of Warranties

The materials on this website are provided on an 'as is' basis. NJ Life Insurance Agency makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Further, NJ Life Insurance Agency does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.

3. Limitations of Liability

In no event shall NJ Life Insurance Agency or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on this website, even if NJ Life Insurance Agency or an authorized representative has been notified orally or in writing of the possibility of such damage.

Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

4. Accuracy of Materials

The materials appearing on this website could include technical, typographical, or photographic errors. NJ Life Insurance Agency does not warrant that any of the materials on its website are accurate, complete, or current. NJ Life Insurance Agency may make changes to the materials contained on its website at any time without notice.

5. Materials and Content Ownership

The materials on this website are owned or controlled by NJ Life Insurance Agency. Unauthorized use of the materials may violate copyright, trademark, and other laws. You agree that you will not remove or alter any proprietary notices or labels on any materials you download from this website.

6. Links to Third-Party Websites

This website may contain links to third-party websites. NJ Life Insurance Agency is not responsible for the content, accuracy, or practices of these external sites. Your use of third-party websites is at your own risk and subject to their terms of use and privacy policies. We encourage you to review the terms and privacy policies of any third-party sites before providing any personal information.

7. Insurance Information Disclaimer

All information on this website regarding life insurance products, coverage types, rates, and benefits is for informational purposes only. This website does not constitute:

• A binding offer or commitment of insurance coverage
• Legal, tax, or financial advice
• A guarantee of specific rates, terms, or availability
• A complete description of any insurance product

All premium examples and rate illustrations are for illustrative purposes only. Actual rates, premiums, and availability are subject to individual underwriting, health status, age, tobacco use, and other factors determined by the issuing insurance carrier. For specific information about any insurance product, please contact a licensed NJ insurance advisor.

8. Lead Form and Contact Consent

By submitting a quote request, contact form, or other lead form on this website, you expressly consent to being contacted by a licensed NJ insurance advisor via telephone, email, text message, or other means regarding life insurance products and services. This consent is not a condition of purchasing any insurance product. You may opt out of future communications by contacting us directly or following the opt-out instructions in any communication you receive.

9. Modifications to Terms

NJ Life Insurance Agency may revise these Terms of Use at any time without notice. By using this website, you are agreeing to be bound by the then current version of these Terms of Use. If you do not agree to abide by the above, please do not use this service.

10. Governing Law

These Terms and Conditions and all related documents are governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law principles. You agree that any legal action or proceeding relating to these Terms shall be brought exclusively in the state or federal courts located in New Jersey, and you consent to the personal jurisdiction and venue of such courts.

11. Severability

If any provision of these Terms of Use is found to be invalid or unenforceable by a court of competent jurisdiction, such provision shall be severed and the remaining provisions shall remain in full force and effect.

12. Entire Agreement

These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and NJ Life Insurance Agency regarding your use of this website and supersede all prior and contemporaneous agreements, understandings, and negotiations, whether written or oral.

13. Contact Information

If you have any questions about these Terms of Use, please contact us:

14. Compliance with New Jersey Insurance Laws

NJ Life Insurance Agency is licensed by the New Jersey Department of Banking and Insurance (DOBI) and operates in full compliance with New Jersey insurance regulations and federal advertising guidelines. All advisors are fully licensed and authorized to conduct insurance business in New Jersey. For license verification or to file a complaint, visit njconsumeraffairs.gov.